{"schema_version":"secwatch.filing_event.v1","accession":"0001401521-22-000120","form_type":"8-K","ticker":"ACIC","cik":"0001401521","company_name":"AMERICAN COASTAL INSURANCE Corp","filed_at":"2022-11-09T23:59:59+00:00","discovered_at":"2026-05-14T18:03:50.459263+00:00","generated_at":"2026-06-22T01:00:59.619771+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.9,"calibrated_materiality_score":0.9,"confidence":"high","headline":"UIHC reports Q3 net loss of $70.9M, goodwill impairment, and substantial doubt over subsidiary's viability","bullets":["Net loss of $70.9M ($1.65 diluted EPS) vs. $14.3M loss year ago; core loss of $57.5M ($1.34/share).","Hurricane Ian drove $37.4M net current year catastrophe losses; over 23,000 claims handled, reinsurance key.","Goodwill impairment of $13.6M related to personal lines withdrawal; stockholders' equity fell to $80.4M ($1.86/book value).","Regulatory approval received for withdrawal plans in FL, LA, TX; but substantial doubt exists about UPCIC's run-off viability.","Personal lines policies down 36% YoY; commercial lines grew 15% premium in-force; workforce cut by 37%."],"urls":{"canonical":"https://secwatch.observer/filing/0001401521-22-000120","json":"https://secwatch.observer/filing/0001401521-22-000120.json","markdown":"https://secwatch.observer/filing/0001401521-22-000120.md","text":"https://secwatch.observer/filing/0001401521-22-000120.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1401521/000140152122000120/0001401521-22-000120-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1401521/000140152122000120/uihc-20221109.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T01:00:59.619771+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"30ab25e783d39c6bc27cb79107b55fe7b9760711","claim":"AMERICAN COASTAL INSURANCE Corp reported for its third quarter ended September 30, 2022 results: revenue $123,788, net income Net loss attributable to UIHC $(70,884), EPS $(1.65) per diluted share.","evidence_excerpt":"% Gross premiums earned $ 301,896 $ 353,461 (14.6) % $ 926,860 $ 1,066,557 (13.1) % Net premiums earned $ 116,187 $ 153,271 (24.2) % $ 328,449 $ 444,680 (26.1) % Total revenues $ 123,788 $ 162,740 (23.9) % $ 341,947 $ 479,983 (28.8) % Loss before income tax $ (70,797) $ (18,600) NM $ (148,009) $ (77,655) (90.6) % Net loss attributable to UIHC $ (70,884) $ (14,322)","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1401521/000140152122000120/0001401521-22-000120-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"for its third quarter ended September 30, 2022"},{"label":"Revenue","value":"$123,788"},{"label":"Net income","value":"Net loss attributable to UIHC $(70,884)"},{"label":"EPS","value":"$(1.65) per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}